Does Kroger Cash Checks? Your Complete Guide

Needing fast access to cash but your bank is closed? You might be wondering if your local Kroger can help. The answer is yes, Kroger does cash checks through their Money Services department. This blog post will give you all the information you need about Kroger check cashing, including accepted check types, fees, and FAQs.

Types of Checks Cashed at Kroger

Kroger Money Services cashes a variety of checks, including:

  • Payroll checks: Get your hands on your earnings quickly and easily.
  • Government checks: Cash your tax refund, social security, or other government-issued checks.
  • Business and insurance settlement checks: Access funds from business deals or insurance claims.
  • Cashier’s checks and money orders: Cash these secure payment methods for added convenience.

Please note: Kroger does not cash starter checks, personal checks, or third-party checks.

Check Cashing Fees at Kroger

Kroger offers competitive check cashing fees, especially for Shopper’s Card holders. Here’s a breakdown:

  • Shopper’s Card holders:
    • Checks up to $2,000: $3 fee
    • Checks between $2,000.01 and $5,000: $5.50 fee
  • Non-Shopper’s Card holders:
    • Checks up to $2,000: $4 fee
    • Checks between $2,000.01 and $5,000: $6.50 fee

Additional fees may apply depending on the individual check and store location. It’s always best to check with your local Kroger for the most accurate pricing information.

What You Need to Cash a Check at Kroger

To cash a check at Kroger, you’ll need the following:

  • Valid government-issued photo ID: Driver’s license, state ID, military ID, passport, etc.
  • The check you want to cash: Ensure it’s properly endorsed and payable to you.
  • Social Security number: This may be required depending on the check amount.
  • Shopper’s Card (optional): Enjoy lower fees with a Shopper’s Card.

Frequently Asked Questions (FAQs)

Q: What is the maximum amount I can cash at Kroger?

A: The maximum check amount varies by store location, but it’s typically around $5,000. Contact your local Kroger for specific details.

Q: Do I need a bank account to cash a check at Kroger?

A: No, you do not need a bank account to cash a check at Kroger.

Q: Are there any restrictions on the types of checks I can cash?

A: Yes, Kroger does not cash starter checks, personal checks, or third-party checks.

Q: Can I cash a check if I’m not a U.S. citizen?

A: Yes, you can cash a check at Kroger with a valid government-issued photo ID, regardless of your citizenship. However, additional verification steps may be required.

Q: What are the hours of operation for Kroger Money Services?

A: Money Services hours vary by store location. See Kroger cash checking hours.

Q: Is it safe to cash a check at Kroger?

A: Yes, Kroger Money Services is a secure and reliable way to cash your checks. They have strict procedures in place to prevent fraud and protect your information.


Kroger Money Services offers a convenient and affordable way to cash your checks, even if you don’t have a bank account. With competitive fees and acceptance of various check types, Kroger can be a valuable resource for quick access to cash. Remember to review the FAQs and check with your local store for the most up-to-date information and policies.

Disclaimer: This blog post is for informational purposes only and should not be considered financial advice. Please consult with a financial professional for personalized advice.

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